the fed has created this environment where there are not that many alternatives, to you know, multi-nationals that pay dividends. >> that's 100% true, so when you look at it, you have 3% dividend payers versus a 2% ten-year, especially in a market that's going up. seems like had a no-brainer. people will look to put their money there, and i think institutions are starting to look as well as retailers, starting to look at that trade and putting their money to work in the equity market. >> so, let me ask you this, shawn, because we're looking at really a fundamental change happening across wall street. we know that investment banks are slinking. compensation is down, and yet you're expanding, building up your investment bank. what do you see that perhaps others don't? >> well, there's a structural change in how the finances services landscape is going to appear over the next five to ten years so larger institutions clearly having to deal with regulatory issues, cost of capital has gone up. from our perspective we're getting in and taking advantage of that and building out our franchise so we lo